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you have probably heard of the four percent rule for retirement spending which says that you can safely spend four percent of an Investment Portfolio in the first year of retirement and then adjust that dollar amount for inflation each year for the rest of your life with minimal risk of running out of money the four percent rule relies on biased data Recent research corrects for these data biases and suggests a safe withdrawal rate that is somewhere between two and three percent depending on the portfolio being tested and the life expectancy of the investor Im Ben Felix portfolio manager at pwl Capital and Im going to tell you why 2.7 percent is the new four percent for safe retirement spending financial planner William bengan wrote a paper in 1994 titled determining withdrawal rates using historical data bengan took historical data for U.S stocks and intermediate term treasuries and tested how long a portfolio of 50 stocks and 50 bonds would be able to sustain various levels of with
